Flat 2, 9 Westbourne Gardens, Folkestone, CT20 2JA

UPRN:50031853Converted Flat1 bedsBuilt England and Wales: before 1900

LeaseholdCouncil Tax: -EPC: C (73)AI-Powered Intelligence

Data freshness:EPC· 3mo agoRisk· 2mo agoConnectivity· 2mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021

Flat 2, 9 Westbourne Gardens, Folkestone, CT20 2JA

Location map - no listing photos available

HP Score

/ 100

High Potential

Verdict

yesterday

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£146,000

£139k - £153kHigh

Estimate

£146k

Range

£139k – £153k

Rent Estimate (pcm)

£800

£750 - £850Medium

Monthly

£800

Yield

5.87%

AI Verdict

Derived from HomePortfolio scores

AI summary

Flat 2 earns a BUY rating with HP Score 83/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (71/100). Flood risk is rated very low. Tenure is leasehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR LeasesHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

83/ 100

High

Investment Score

72/ 100

High

Crime Score

5/ 100

Low

Walkability

71/ 100

High

Transit & Bike

High

Real Data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£20,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £7,300
Net cash flow: £486/mo
Cash on cash: 79.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 11.85 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£146,000

Rent Estimate (pcm)£800

Gross Yield5.87%

1y Growth-

3y Growth+2.6%

5y Growth+1.6%

10y Growth+5.3%

Last Sold Price£145,000 (2022-03-11)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence3
RadonLow
MiningUnknown
Landslide3
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CT20 2JA

Approval Rate

100%12mo

Development

low

26/1110/FH/TCA
Works to trees in a conservation area comprising of T1 Conifer fell to ground level.
Approved

View Planning Timeline

Ownership

Corporate Ownership55.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£31,907

Population Density6,414 /km²

Owner Occupied48%

Age Distribution

0-15 9%16-64 57%65+ 34%

View Area Profile

Schools Nearby

School of English Studies
0.2 mi
-
Earlscliffe (Sussex Summer Schools Ltd)
0.3 mi
Inspected by ISI
The Folkestone School for Girls
0.5 mi
Good
Sandgate Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

5 of 10 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

10 Westbourne Gardens
-
£355k
-
9 Westbourne Gardens
-
£125k
-
9 Westbourne Gardens
-
£147k
-
9 Westbourne Gardens
-
£145k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN